Great Southern Bancorp (GSBC)
NASDAQ:GSBC
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Great Southern Bancorp
(NASDAQ:GSBC)
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Rating:65Neutral
Price Target:
$72.00
▲(5.43% Upside)
Action:ReiteratedDate:04/17/26
GSBC’s score is held back primarily by weaker TTM cash flow (negative free cash flow) and a sharp increase in leverage despite still-solid profitability. Technicals are a meaningful positive with a clear uptrend and supportive momentum. Valuation is attractive on P/E, while the latest earnings call was generally constructive (stable/improving NIM, low NPAs, capital returns) but tempered by net interest income pressure, deposit softness, and higher planned operating costs.
Positive Factors
Strong Profitability
GSBC's trailing margins (net ~20.6%, EBIT ~25.4%) indicate durable core profitability versus regional peers. Strong operating margins support internal capital generation, allowing the bank to fund growth, absorb moderate credit stress, and maintain shareholder returns over the next several quarters.
Negative Factors
Weak Cash Generation
A reversal to zero operating cash flow and negative free cash flow (-$16.3M) weakens earnings quality and the company's self-funding capacity. Over coming quarters this raises reliance on external funding for loan growth, tech investments, or buybacks, and reduces flexibility to absorb shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
GSBC's trailing margins (net ~20.6%, EBIT ~25.4%) indicate durable core profitability versus regional peers. Strong operating margins support internal capital generation, allowing the bank to fund growth, absorb moderate credit stress, and maintain shareholder returns over the next several quarters.
Read all positive factors
Great Southern Bancorp (GSBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$744.51M
Dividend Yield2.48%
Average Volume (3M)38.85K
Price to Earnings (P/E)9.9
Beta (1Y)0.71
Revenue Growth-6.80%
EPS Growth13.03%
CountryUS
Employees882
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.58
Shares Outstanding10,963,133
10 Day Avg. Volume44,382
30 Day Avg. Volume38,848
Financial Highlights & Ratios
PEG Ratio0.55
Price to Book (P/B)1.10
Price to Sales (P/S)2.04
P/FCF Ratio10.59
Enterprise Value/Market Cap1.51
Enterprise Value/Revenue3.26
Enterprise Value/Gross Profit4.87
Enterprise Value/Ebitda11.98
Forecast
1Y Price Target
$65.00Price Target Upside-4.82% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)5.24
Revenue Forecast (FY)$220.57M
Great Southern Bancorp Business Overview & Revenue Model
Company Description
Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts...
How the Company Makes Money
GSBC primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income, while incurring operating and credit costs typical of a depository institution. Net interest income is the largest ...
Great Southern Bancorp Earnings Call Summary
Earnings Call Date:Apr 15, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 22, 2026
Earnings Call Sentiment Neutral
The call presented a generally resilient quarter: modest net income and EPS growth, an improved net interest margin, quarter-over-quarter loan growth, solid capital levels, low absolute nonperforming assets, and continued discipline on credit and funding. Offsetting these positives were a ~2% decline in net interest income (driven by a terminated swap and lower variable-rate loan income), a small decline in deposits amid competitive funding markets, some increase in NPAs (though still low), and expected incremental expense from multi-quarter IT and security projects. Management emphasized measured loan originations, expense control and capital deployment via buybacks/dividends, but also noted reliance on some sporadic nonrecurring items and ongoing uncertainty in prepayment trends.Positive Updates
Net Income and EPS Growth
Net income of $17.5M in Q1 2026, up from $17.2M a year ago (+~1.7% YoY) and up from $16.3M in Q4 2025 (+~7.4% QoQ). Diluted EPS was $1.58 versus $1.47 a year ago (+~7.5% YoY) and $1.45 in Q4 2025 (+~9.0% QoQ).
Negative Updates
Decline in Net Interest Income
Net interest income declined to $48.3M from $49.3M in Q1 2025 (≈-2.0% YoY) and from $49.2M in Q4 2025 (≈-1.8% QoQ). The decrease was largely driven by the absence of income from a terminated interest rate swap and lower loan balances / market rates impacting variable-rate loans.
Read all updates
Q1-2026 Updates
Positive
Negative
Net Income and EPS Growth
Net income of $17.5M in Q1 2026, up from $17.2M a year ago (+~1.7% YoY) and up from $16.3M in Q4 2025 (+~7.4% QoQ). Diluted EPS was $1.58 versus $1.47 a year ago (+~7.5% YoY) and $1.45 in Q4 2025 (+~9.0% QoQ).
Read all positive updates
Company Guidance
Management offered limited formal guidance but said expenses will modestly rise as IT/data‑security and customer‑facing projects roll out over the next 3–6 quarters, potentially adding about $200k–$250k per month (Q1 noninterest expense was $34.8M; adjusted ~ $35.5M; efficiency ratio 62.85%; noninterest expense/avg assets 2.47%), implying quarterly run‑rates nearer ~$36M; they expect net interest margin (3.71% in Q1 vs. 3.57% a year ago and 3.70% in Q4) to be largely stable and resilient to a ~25 bp move, declined to give loan‑growth guidance because paydowns are volatile despite loans rising ~$99.8M to $4.46B, and reaffirmed strong liquidity/capital (assets ~$5.69B; deposits ~$4.45B; uninsured deposits ~$740M/16.7%; NPAs $10.1M/0.18%; equity ~$633.6M/11.1%) while continuing buybacks ($16.9M/268,664 shares) and a $0.43 quarterly dividend.Great Southern Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
28
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 343.30M | 355.26M | 326.91M | 261.12M | 236.99M |
| Gross Profit | 229.76M | 216.99M | 226.37M | 227.57M | 222.00M |
| EBITDA | 87.30M | 84.45M | 94.66M | 103.88M | 105.50M |
| Net Income | 70.97M | 61.81M | 67.80M | 75.95M | 74.63M |
Balance Sheet | |||||
| Total Assets | 5.60B | 5.98B | 5.81B | 5.68B | 5.45B |
| Cash, Cash Equivalents and Short-Term Investments | 661.99M | 729.13M | 689.54M | 659.11M | 1.22B |
| Total Debt | 405.17M | 166.34M | 172.81M | 277.98M | 238.32M |
| Total Liabilities | 4.96B | 5.38B | 5.24B | 5.15B | 4.83B |
| Stockholders Equity | 636.13M | 599.57M | 571.83M | 533.09M | 616.75M |
Cash Flow | |||||
| Free Cash Flow | 66.24M | 39.14M | 73.40M | 46.47M | 79.24M |
| Operating Cash Flow | 77.71M | 44.06M | 80.70M | 66.58M | 84.98M |
| Investing Cash Flow | 370.99M | -175.39M | -88.21M | -801.28M | 190.71M |
| Financing Cash Flow | -454.90M | 115.75M | 50.32M | 185.95M | -122.15M |
Great Southern Bancorp Technical Analysis
Positive
68.29
Price Trends
63.22
Positive
62.57
Positive
60.72
Positive
Market Momentum
1.60
Negative
70.40
Negative
65.54
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GSBC, the sentiment is Positive. The current price of 68.29 is above the 20-day moving average (MA) of 64.74, above the 50-day MA of 63.22, and above the 200-day MA of 60.72, indicating a bullish trend. The MACD of 1.60 indicates Negative momentum. The RSI at 70.40 is Negative, neither overbought nor oversold. The STOCH value of 65.54 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GSBC.
Great Southern Bancorp Risk Analysis
Great Southern Bancorp disclosed 35 risk factors in its most recent earnings report. Great Southern Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Great Southern Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $871.93M | ― | 14.49% | 2.18% | 19.71% | 27.52% | |
72 Outperform | $822.65M | 11.97 | 9.21% | 3.48% | 7.06% | 27.79% | |
71 Outperform | $883.02M | ― | 10.06% | 2.12% | 9.48% | 15.28% | |
70 Outperform | $855.96M | 21.38 | 6.26% | 2.58% | 17.28% | -22.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $769.09M | ― | 8.42% | 1.12% | -1.41% | 23.57% | |
65 Neutral | $744.51M | 9.92 | 11.29% | 2.48% | -6.80% | 13.03% |
* Financial Sector Average
GSBC
Great Southern Bancorp
68.65
14.26
26.23%
MPB
Mid Penn Bancorp
34.26
6.14
21.84%
TRST
TrustCo Bank
47.64
17.99
60.67%
HTB
Hometrust Bancshares
46.43
12.67
37.55%
BFST
Business First Bancshares
27.50
4.57
19.95%
FSBC
Five Star
40.31
13.32
49.35%
Great Southern Bancorp Corporate Events
Dividends
Great Southern Bancorp Extends Longstanding Quarterly Dividend Streak
Positive
Mar 18, 2026
On March 18, 2026, Great Southern Bancorp, Inc., the holding company for Great Southern Bank, declared a first-quarter cash dividend of $0.43 per common share for the calendar year ending December 31, 2026. The dividend will be paid on April 14, 2...
Business Operations and StrategyShareholder Meetings
Great Southern Bancorp Plans Virtual 2026 Annual Meeting
Positive
Feb 17, 2026
Great Southern Bancorp, Inc. announced on Feb. 17, 2026, that it will hold its 37th Annual Meeting of Stockholders as a virtual-only event via live webcast at 10 a.m. CDT on Wednesday, May 13, 2026. Holders of the company’s common stock as o...
Business Operations and StrategyFinancial Disclosures
Great Southern Bancorp Reports Strong Preliminary 2025 Results
Positive
Jan 22, 2026
On January 21, 2026, Great Southern Bancorp reported preliminary results showing improved profitability for the fourth quarter and full year ended December 31, 2025, with quarterly earnings rising to $1.45 per diluted share from $1.27 a year earli...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.